Trainer Referral Reward Terms & Conditions: £50 per Referral
1. Promoter Details
The promoter is Napo Limited ("Napo", "we", "us", "our"), registered in England & Wales under company number 13281620, with a registered office at: 2 Jubilee Place, London, SW3 3TQ.
2. Programme Overview
These terms set out how affiliate dog trainers ("Trainers") earn a reward of £50 for each successful referral of a new customer to Napo Pet Insurance through the Napo Dog Trainers Club. They apply alongside the Affiliate Trainer Agreement between Napo and the Trainer (the "Agreement"). If there is any conflict between these terms and the Agreement, the Agreement prevails.
The reward is paid for referrals only. It is not a salary, commission on premiums, or payment for any other activity.
3. Eligibility
The reward is open to Trainers who have signed the Agreement with Napo and are in good standing.
Before making available any information about Napo, the Trainer must have confirmed in writing that they have read, understood and will abide by the Information Sheet and the Napo onboarding advice doc, and that they are appropriately qualified, validly trading, hold valid insurance appropriate to their training business, and are not subject to any regulatory, legal or disciplinary action relating to their training business. Referrals made before these confirmations are given do not qualify for a reward.
The Trainer must tell Napo promptly in writing if any of these confirmations stops being true (for example, if their insurance lapses). Napo may carry out background checks and may suspend or terminate the Agreement immediately if this happens.
The reward applies to the individual Trainer who signed the Agreement only. No employee, contractor or other person at the Trainer's business may promote Napo or share the Trainer's discount code, and the Trainer remains responsible for any breach of this restriction.
The Trainer is an independent contractor and is responsible for any tax due on rewards received.
Trainers cannot earn a reward on a policy they take out themselves, or on a policy taken out by a member of their household or by a business they own or control.
4. Qualifying Referrals
A referral qualifies for the £50 reward only if the referred person:
is a new Napo customer who purchases a Napo pet insurance policy directly from Napo;
uses the Trainer's unique affiliate promo code when obtaining their quote, in line with the Discount Code Terms & Conditions; and
does not cancel the policy within the first month after it starts.
A code entered after a quote has been obtained, or after purchase, cannot be applied retroactively, and the referral will not qualify. Napo's records of which code was used and when are final.
5. Reward and Payment
The reward is £50 for each qualifying referral. It is a fixed fee and does not vary with cover level or policy value. There is no cap on the number of qualifying referrals.
A referral is validated 32 days after the referred policy starts. Rewards are not due until validation.
Rewards are paid by bank transfer, typically 40 to 45 days after the referred policy starts. The Trainer must provide accurate bank details; Napo is not responsible for payments sent to incorrect details supplied by the Trainer.
Trainers receive a monthly performance update showing the number of referrals and total earnings.
The reward is as stated. No cash alternative, increase or other substitute will be offered, and the right to a reward cannot be transferred to anyone else.
6. Conduct, Compliance and Withholding of Rewards
Trainers provide information only. Any information about Napo's products must comply with all applicable legal and regulatory requirements and must be pre-approved by Napo. Trainers must:
follow the Information Sheet, the onboarding advice doc and any other training or direction provided by Napo;
only passively provide Napo pre-approved information, and not advise on or recommend Napo pet insurance, answer any questions about the product, or be otherwise involved in the contract of insurance;
only use the channels permitted by the Agreement: pre-approved leaflets and posters, sharing their unique referral code, their website (pre-approved content only), one-to-one WhatsApp messages to clients who have first expressed interest in pet insurance (pre-approved content only, never as a mass message), and limited verbal mentions that the discount code is available;
not create, amend or publish their own content about Napo (including on social media), or use the Napo logo, without Napo's prior written approval;
not give regulated insurance advice, recommend levels of cover, guarantee claim outcomes or coverage, compare Napo with competitors, or make any statement not approved by Napo;
immediately forward any customer enquiry, complaint or concern to Napo and not attempt to resolve it;
share the Discount Code Terms & Conditions whenever they share their promo code; and
not recommend or refer anyone to any other pet insurance product, or accept any commission, fee, referral payment or other benefit from any other insurer, broker, managing general agent or intermediary in relation to pet insurance.
Napo may withdraw its approval of any material at any time, request copies of material in use, carry out periodic reviews or mystery shopping, and require corrective action within a set timeframe. Napo may refuse, withhold or reclaim a reward if it reasonably suspects misuse, fraud, misrepresentation or a breach of the Agreement or the Information Sheet, including where a code has been used in a way that was not intended. Napo may ask for evidence to confirm a referral, and Trainers must cooperate with any reasonable compliance or quality control checks.
7. Programme Limits, Changes and Termination
The programme runs until 31st December 2026 unless ended earlier under the Agreement. Napo may extend, amend, pause or withdraw the programme or the reward at any time.
Either party may end the Agreement during the term with 30 days' written notice sent by email, or let it end on 31st December 2026 without further obligation. Napo may remove a Trainer immediately, without notice, for a breach of the Agreement or conduct that damages the Napo brand or reputation.
Rewards that have met the validation requirements in section 5 at the date of termination will be honoured.
Changes to these terms will be published and notified to Trainers. Changes apply only to referrals made after the change takes effect.
The programme terms, performance data, rewards and internal communications are confidential and must not be shared with third parties.
8. Limitations and Technical Issues
Napo is not responsible for:
technical issues that cause a promo code to fail or a referral not to be recorded;
referrals that are lost, delayed or not received;
a referred customer failing to use the correct code at the quote stage; or
inaccurate information given by any third party in connection with the programme.
Napo's decision on all matters relating to the reward is final and binding, without prejudice to any right you have under the Agreement or in law.
9. Data Protection, Governing Law and Contact
Personal data processed in connection with the programme, including the Trainer's bank details, will be handled in accordance with UK data protection law. Napo is the data controller. See our Privacy Policy for more details on how your information is used.
Trainers must not collect, request, keep or share with Napo any personal data relating to a customer or prospective customer, and must not use, record or disclose any such data they become aware of. Customers provide their personal data directly to Napo when obtaining a quote or buying a policy.
These terms are governed by the laws of England and Wales, and any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.
If you have any questions about these terms or your rewards, please contact us at community@napo.pet.